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Based on a $100,000 loan with a 3.657% annual percentage rate (APR) and a 3.625% simple annual rate (Rate), the monthly payments would be $456.05 for the first ten years. That payment does not include taxes or insurance premiums, the actual payment will be greater. The APR may increase after the first ten years. The Rate will not change for the first ten years, after that the Rate may change each year as determined by an index plus a margin. The index is the One-Year Treasury Constant Maturity Yield. Based on the current value of that index, the Rate would be 3.625% and the payment schedule, after the initial 120 month term, would be 240 monthly payments of $456.05.